RETIREMENT INCOME SOLUTIONS, INC

Filed: 1/27/2026ACC: 0001730386-26-000002

📋 What this filing means

RETIREMENT INCOME SOLUTIONS, INC filed this quarterly 13F‑HR report disclosing 170 equity positions with a total reported market value of $589.62M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

170

Positions

$589.62M

Total AUM (reported)

6.24M

Total Shares

Allocation by class

STATE STREET SPD$204.40M34.7%

TR UNIT$47.99M8.1%

CORE S&P500 ETF$38.11M6.5%

ULTRA SHRT ETF$36.13M6.1%

ENHAN SHRT MA AC$32.89M5.6%

COM$32.72M5.5%

RUS 1000 GRW ETF$20.21M3.4%

Portfolio Concentration

Top 3$232.92M39.5%

4–10$163.70M27.8%

11–25$86.03M14.6%

Rest$106.97M18.1%

Top 3 weight

39.5%

Top 10 weight

67.3%

Voting Authority Distribution

Total shares with voting rights: 6.24M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

6.24M

% of voting shares100.0%

Investment Discretion (by position count)

Sole170

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings170

Rows:

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares1.80M

TypeSH

Market value$144.24M

24.46%

Sole

0.00

Shared

0.00

None

1.80M

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares70.38K

TypeSH

Market value$47.99M

8.14%

Sole

0.00

Shared

0.00

None

70.38K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares702.62K

TypeSH

Market value$40.69M

6.90%

Sole

0.00

Shared

0.00

None

702.62K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares55.64K

TypeSH

Market value$38.11M

6.46%

Sole

0.00

Shared

0.00

None

55.64K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHRT ETF

Shares714.24K

TypeSH

Market value$36.13M

6.13%

Sole

0.00

Shared

0.00

None

714.24K

PIMCO ETF TR

SOLE

ENHAN SHRT MA AC

Shares327.80K

TypeSH

Market value$32.89M

5.58%

Sole

0.00

Shared

0.00

None

327.80K

ISHARES TR

SOLE

RUS 1000 GRW ETF

Shares42.70K

TypeSH

Market value$20.21M

3.43%

Sole

0.00

Shared

0.00

None

42.70K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares233.38K

TypeSH

Market value$15.40M

2.61%

Sole

0.00

Shared

0.00

None

233.38K

WORLD GOLD TR

SOLE

SPDR GLD MINIS

Shares131.55K

TypeSH

Market value$11.23M

1.90%

Sole

0.00

Shared

0.00

None

131.55K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares173.07K

TypeSH

Market value$9.72M

1.65%

Sole

0.00

Shared

0.00

None

173.07K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares13.40K

TypeSH

Market value$8.23M

1.40%

Sole

0.00

Shared

0.00

None

13.40K

ISHARES TR

SOLE

ESG AWR MSCI USA

Shares54.31K

TypeSH

Market value$8.09M

1.37%

Sole

0.00

Shared

0.00

None

54.31K

J P MORGAN EXCHANGE TRADED F

SOLE

MUNICIPAL ETF

Shares142.37K

TypeSH

Market value$7.19M

1.22%

Sole

0.00

Shared

0.00

None

142.37K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares36.95K

TypeSH

Market value$7.08M

1.20%

Sole

0.00

Shared

0.00

None

36.95K

ISHARES TR

SOLE

RUS 1000 VAL ETF

Shares31.96K

TypeSH

Market value$6.72M

1.14%

Sole

0.00

Shared

0.00

None

31.96K

ISHARES TR

SOLE

RUS 1000 ETF

Shares17.27K

TypeSH

Market value$6.45M

1.09%

Sole

0.00

Shared

0.00

None

17.27K

SPDR S&P MIDCAP 400 ETF TR

SOLE

UTSER1 S&PDCRP

Shares10.32K

TypeSH

Market value$6.23M

1.06%

Sole

0.00

Shared

0.00

None

10.32K

ISHARES TR

SOLE

MSCI ACWI ETF

Shares41.04K

TypeSH

Market value$5.81M

0.98%

Sole

0.00

Shared

0.00

None

41.04K

APPLE INC

SOLE

COM

Shares20.53K

TypeSH

Market value$5.58M

0.95%

Sole

0.00

Shared

0.00

None

20.53K

FIDELITY COVINGTON TRUST

SOLE

ENHANCED SMALL

Shares143.46K

TypeSH

Market value$5.42M

0.92%

Sole

0.00

Shared

0.00

None

143.46K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares14.02K

TypeSH

Market value$4.07M

0.69%

Sole

0.00

Shared

0.00

None

14.02K

AMAZON COM INC

SOLE

COM

Shares17.39K

TypeSH

Market value$4.01M

0.68%

Sole

0.00

Shared

0.00

None

17.39K

AMERICAN CENTY ETF TR

SOLE

INTL EQT ETF

Shares47.33K

TypeSH

Market value$3.90M

0.66%

Sole

0.00

Shared

0.00

None

47.33K

DIMENSIONAL ETF TRUST

SOLE

EMGR CRE EQT MNG

Shares112.09K

TypeSH

Market value$3.65M

0.62%

Sole

0.00

Shared

0.00

None

112.09K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares33.78K

TypeSH

Market value$3.60M

0.61%

Sole

0.00

Shared

0.00

None

33.78K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SPDR SERIES TRUSTSOLE	STATE STREET SPD	1.80M	SH	$144.24M 24.46%	1.80M
SPDR S&P 500 ETF TRSOLE	TR UNIT	70.38K	SH	$47.99M 8.14%	70.38K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	702.62K	SH	$40.69M 6.90%	702.62K
ISHARES TRSOLE	CORE S&P500 ETF	55.64K	SH	$38.11M 6.46%	55.64K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHRT ETF	714.24K	SH	$36.13M 6.13%	714.24K
PIMCO ETF TRSOLE	ENHAN SHRT MA AC	327.80K	SH	$32.89M 5.58%	327.80K
ISHARES TRSOLE	RUS 1000 GRW ETF	42.70K	SH	$20.21M 3.43%	42.70K
ISHARES TRSOLE	CORE S&P MCP ETF	233.38K	SH	$15.40M 2.61%	233.38K
WORLD GOLD TRSOLE	SPDR GLD MINIS	131.55K	SH	$11.23M 1.90%	131.55K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	173.07K	SH	$9.72M 1.65%	173.07K
INVESCO QQQ TRSOLE	UNIT SER 1	13.40K	SH	$8.23M 1.40%	13.40K
ISHARES TRSOLE	ESG AWR MSCI USA	54.31K	SH	$8.09M 1.37%	54.31K
J P MORGAN EXCHANGE TRADED FSOLE	MUNICIPAL ETF	142.37K	SH	$7.19M 1.22%	142.37K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	36.95K	SH	$7.08M 1.20%	36.95K
ISHARES TRSOLE	RUS 1000 VAL ETF	31.96K	SH	$6.72M 1.14%	31.96K
ISHARES TRSOLE	RUS 1000 ETF	17.27K	SH	$6.45M 1.09%	17.27K
SPDR S&P MIDCAP 400 ETF TRSOLE	UTSER1 S&PDCRP	10.32K	SH	$6.23M 1.06%	10.32K
ISHARES TRSOLE	MSCI ACWI ETF	41.04K	SH	$5.81M 0.98%	41.04K
APPLE INCSOLE	COM	20.53K	SH	$5.58M 0.95%	20.53K
FIDELITY COVINGTON TRUSTSOLE	ENHANCED SMALL	143.46K	SH	$5.42M 0.92%	143.46K
VANGUARD INDEX FDSSOLE	MID CAP ETF	14.02K	SH	$4.07M 0.69%	14.02K
AMAZON COM INCSOLE	COM	17.39K	SH	$4.01M 0.68%	17.39K
AMERICAN CENTY ETF TRSOLE	INTL EQT ETF	47.33K	SH	$3.90M 0.66%	47.33K
DIMENSIONAL ETF TRUSTSOLE	EMGR CRE EQT MNG	112.09K	SH	$3.65M 0.62%	112.09K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	33.78K	SH	$3.60M 0.61%	33.78K

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